Two-Party Insurance Checks: Getting Funds Released

Who this is for

Public adjusters and independent adjusters whose clients carry a mortgage, which is nearly all of them. If a settlement check has ever sat in loss draft escrow while a contractor waited on a deposit, this one is for you. Residential or commercial, the maze works the same way.

The problem

The carrier fight ends and a second process begins. The mortgagee clause puts the servicer on the structure check, and now the money moves at the pace of a loss draft department: packets, endorsements, inspections, staged draws. Here is the part nobody says out loud: most delays are not the bank being difficult. They are partial packages, inspections nobody requested, and verbal promises nobody wrote down. The adjusters who get funds released fast treat the loss draft process like its own claim, with a checklist, a call log, and diaried dates. Meanwhile the client watches a signed settlement sit frozen and starts wondering what, exactly, they hired you for.

Inside the free PDF

• The day one call script for the loss draft department, including the questions that change handling
• The complete loss draft package checklist, from endorsements to lien waivers
• How disbursement schedules typically work, and how to diary them like carrier deadlines
• Endorsement mechanics and the mistakes that stall everything
• The escalation ladder when the file goes quiet, from supervisor to regulator complaint
• The client conversation at intake that prevents panic calls later

Get the checklist

Download the free PDF and turn the mortgage check maze into a process you run, instead of one that runs you.

[Download the free PDF]

Then see how MESHA handles this part of claim work automatically: a document hub for the packet and the log, automated dea

This guide is part of MESHA Academy, free field education for adjusters: mesha.cc/academy. MESHA for adjusters: mesha.cc